Went to a Swindell office in Fort Worth for bankruptcy consultation, and counseled toward debt management program, in order to retain assets.
40% debt settlement by implied promise, monthly payments to a special acct. until enough accumulated to negotiate settlement with largest creditor, then next largest, etc.
Monthly pmts include our fee to Swindell (Macey?) We will be dunned and perhaps sued in the meantime.
If sued, Swindell(Macey?) will aggressively protect and defend, etc. etc. Peersuasive sales pitch, but basically buying pig in poke, Compared to Counsumer Counseling (Money Management International) debt management, Swindell(Macey?) smells fishy, even though MMI plan requires eventual full pmt contrasted with Swindell’s (Macey’s) implied 40%.
Is Macey’s now reformed and reliable and trustworthy, or? Does Swindell just get a sales commisssion from Macey and then they’re out of it? You get the picture. Your attention to this will be appreciated.